3401 W. Beltline Hwy.Madison, WI 53713

www.mbr1cu.org608-271-5301

April is Credit Union Youth MonthVisit Members First Credit Union during the month of April to help us celebrate National Credit Union Youth Month™ and encourage your child to make their dreams come true by having them set clear goals and, very likely, save some money to make them happen. Credit unions can help their members on both counts.

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Team MeetingsThe third Tuesday of every month we will be opening at 9:30 AM so we can hold our monthly team meeting. We value your membership and apologize for any inconvenience this maycause you.

Holiday Hours

Memorial DayMonday, May 27 - CLOSED

Independence DayThursday, July 4 - CLOSED

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Simplify for Success

With personal finances, simple is often better. This simple advice will help you achieve financial success.

1. Get organized. File your tax documents, bank account statements, retirement accounts, and insurance documents. You can set up folders or scan it and file it online.

2. Streamline accounts. If you have several accounts and are only using one actively, close the others. Examples may be multiple checking, 401(K) or savings accounts. Simplify your finances by being able to track your money more easily.

3. Budget forward. Look back at your last years spending and list your recurring monthly expenses. Is there anything you can cut out or decrease? Or, if you would like to save for a big purchase, you may need to start saving. Work that into your budget. Set up a monthly transfer to your savings account for your goals or emergencies.

4. Automatic savings. Get in the habit of saving every month, and make your savings automatic. You can do this by setting up a monthly transfer, or by changing your direct deposit to have a portion of your paycheck sent directly into savings.

5. Increase retirement contributions. Bump up your 401(K) contributions by one percent. The change is so small you probably won't notice the difference in your paycheck, especially if you make this change when you receive your annual raise.

Fee Change: Effective June 1, 2019 replacement card fee (over one per year) will be $5.00.

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Spring 2019

Members First Credit Union is an Equal

Housing and Equal Opportunity Lender.

Your savings federally insured to at least $250,000 and backed by the full faith

and credit of the United States Government. NCUA a U.S. Government Agency.

© 2019 Members First Credit Union.

All rights reserved.

*APY= Annual Percentage Yield.Rates and o�ers are subject to change at any time.

Funds stay deposited for a predetermined term (6, 12, 24 months etc.). There is a penalty of 3 months interest if the certi�cate is closed prior to that term. There is a minimum of $500 to open.

Secondary SavingsNo minimum balance, make transfers through mobile and home banking, earns interest on balances over $100.

.15%

.15%

Saver’s Sweepstakes .50%

No minimum balance, $25 increase in the account balance earn entries into monthly, quarterly and yearly drawings, funds must stay in the account for one year, penalty to withdrawal early. Interest on balances over $.01.

Round Up Savings

Christmas Club

Share Certificate

Money Market

Save money all year long for the holidays. Funds are deposited in your checking account, or a check is mailed the beginning of November. No minimum balance, early withdrawal penalty applies.

10.0%

Debit card purchases are rounded up to the next dollar and the rounded-up amount is deposited into the Round Up Account. Make transfers out of the account through mobile and home banking. This account earns interest on balances over $.01.

No minimum balance to open, make transfers through mobile and home banking, earns interest on balances over $100.

starting at see rate sheet.15%

starting at see rate sheet.35%

Don’t Forget Your SAVINGS ACCOUNT!